Most Uber and Lyft drivers in Los Angeles do not need a full commercial auto insurance policy. However, personal auto insurance alone may not provide complete protection during rideshare activity. Because of this, many drivers add a rideshare endorsement to their existing auto policy.
For a complete overview of rideshare insurance rules in the city, see Los Angeles Rideshare Insurance for Uber & Lyft Drivers. Drivers in other California rideshare markets may also want to review our guides for San Francisco, San Diego, and Sacramento.
Why Personal Auto Insurance May Not Be Enough
Many personal auto insurance policies include exclusions for commercial driving. Since rideshare drivers transport passengers for compensation, insurers may deny claims if rideshare activity is not disclosed.
How Rideshare Endorsements Work
A rideshare endorsement extends a personal auto policy to cover the gap between personal driving and the coverage provided by Uber or Lyft. This endorsement typically applies when the rideshare app is on and the driver is waiting for a ride request.
When Commercial Insurance Might Be Necessary
- Operating a private car service outside Uber or Lyft
- Running a rideshare fleet
- Using a vehicle primarily for business purposes
Next Steps
Next, review Rideshare Insurance Cost in Los Angeles and compare providers in Best Rideshare Insurance in Los Angeles.